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 Hudson River Community Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Hudson River Community Credit Union's 6 Month CDs rates are at 3.25%, 6 Month Traditional IRA CD rates are at 3.25%, 12 Month CDs rates are at 3.10%, 12 Month Traditional IRA CD rates are at 3.10%, 18 Month CDs rates are at 3.00%. Hudson River Community Credit Union's 15-year fixed rates are at 5.75%, Mortgage & Refinance Rates - 10/1 ARM rates are at 5.75%, Mortgages rates are at 5.75%, 20-year fixed rates are at 6.25%, 30-year fixed rates are at 6.50%. Hudson River Community Credit Union's Personal Loan Rates are as low as 8.50%. Hudson River Community Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Hudson River Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.00%. Rates last updated and verified on 09/22/2026. Hudson River Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hudson River Community Credit Union? Share your experience about Hudson River Community Credit Union by leaving a review below, or read customer reviews before you decide to use Hudson River Community Credit Union. Hudson River Community Credit Union
Hudson River Community CU Operations Center 1 3rd St
https://www.hrccu.org Corinth, NY 12822-1230 
Hudson River Community Credit Union CD Rates
Hudson River Community Credit Union Mortgage Rates
Hudson River Community Credit Union Home Equity & HELOC
Hudson River Community Credit Union Auto Loan Rates
Hudson River Community Credit Union RV, Boat and Powersport Loan Rates
Hudson River Community Credit Union Credit Card Rates
Hudson River Community Credit Union Personal Loan Rates
Hudson River Community Credit Union Other Rates
Financial Health HistoryHudson River Community Credit Union’s Texas Ratio rose from 5.42% in Q2 2023 to 7.00% in Q4 2025, so its financial health has held steady at a healthy level over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hudson River Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Hudson River Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Hudson River Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hudson River Community Credit Union
Website
https://www.hrccu.org
Address
1 3rd St,
Corinth, NY 12822-1230
Phone
518-886-3400
Fax
President
Charles Pasquarell
CEO
Susan Commanda
Full-Time Employees
72
Part-Time Employees
3
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
7.00%
Return on Assets (ROA)
0.5351%
Return on Equity (ROE)
3.5796%
Non-Performing Loans Ratio (NPL)
1.38%
Total Assets
358,544,537
Total Amount of Shares and Deposits
300,204,349
Total Shares and Deposits < 1 Year
274,060,618
Total Shares and Deposits 1 3 Years
24,662,190
Total Shares and Deposits > 3 Years
1,481,543
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
22,356,713
Total Uninsured Shares and Deposits > $250K (F+J)
22,356,713
Total Insured Shares and Deposits > $250K (item 17 less item K)
277,847,636
Total Interest Expense (Sum of items 6 8)
4,041,299
Share Certificates
2,626
Number of Accounts for Share Drafts
17,121
IRA KEOGH Accounts
352
Number of Accounts for Regular Shares
22,520
All other shares
21
Money Market Shares
236
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
23,804,894
Total Liabilities
304,943,650
Source: NCUA — Last Updated 12/31/2025
Customer Reviews
There are no reviews for Hudson River Community Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Hudson River Community Credit UnionHow many branches does Hudson River Community Credit Union operate?Hudson River Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Hudson River Community Credit Union?Yes, to access services at Hudson River Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Hudson River Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Hudson River Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hudson River Community Credit Union offer online and mobile banking?Most modern institutions like Hudson River Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hrccu.org. Current Hudson River Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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